I have a question about boater insurance requirements. I am looking into a small aluminum boat and motor. 14'aluminum and 35 horse motor. Mostly for day outings in local lakes/rivers. The way I read the requirement on the DMV website is ANY motor vehicle requiring regristration must have liability insurance. So I am required to insure it correct? I use to have a zodiac and 10 horse that was registered but not insured was I in the wrong or am I reading the requirements incorrectly? If it is required who do you use to insurance your small boats.